Olympia Federal Savings & Loan Mortgage Lending & HMDA Data, 2015
In 2015, Olympia Federal Savings & Loan of Olympia, WA reported 434 mortgage applications totaling $101.1 million, down 15% from 2014. The average application was for $233,002, and applicants reported an average income of $108,658. 74% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Olympia-Tumwater, WA (347), Tacoma-Lakewood, WA (12) and Bremerton-Silverdale, WA (3) (applications in parentheses).
| Mortgage Company & Address | Olympia Federal Savings & Loan 421 Capital Way S Olympia, WA 98501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 434 |
| Total Mortgage Loan Application Amount | $101,123,000 |
| Average Mortgage Loan Application Amount | $233,002 |
| Highest Mortgage Loan Application Amount | $3,400,000 |
| Average Applicant Income | $108,658 |
| Highest Applicant Income | $669,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Olympia Federal Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Olympia-Tumwater, WA | 347 | $ 81,770,000 | $ 235,648 | $ 110,000 |
| Tacoma-Lakewood, WA | 12 | $ 2,687,000 | $ 223,916 | $ 90,000 |
| Bremerton-Silverdale, WA | 3 | $ 377,000 | $ 125,666 | $ 66,000 |
Mortgage Loan Application Detail Totals for Olympia Federal Savings & Loan in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 265 | $65,566,000 | $247,000 | $783,000 | $114,000 | $669,000 |
| Refinancing | 98 | $20,962,000 | $213,000 | $3,400,000 | $86,000 | $274,000 |
| Home Improvement | 71 | $14,595,000 | $205,000 | $1,392,000 | $120,000 | $360,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 362 | $83,258,000 | $229,000 | $1,392,000 | $117,000 | $669,000 |
| Not applicable | 33 | $9,519,000 | $288,000 | $3,400,000 | $0 | $0 |
| Asian | 16 | $3,899,000 | $243,000 | $783,000 | $157,000 | $280,000 |
| Hispanic | 10 | $1,673,000 | $167,000 | $265,000 | $83,000 | $301,000 |
| Not Provided | 8 | $1,825,000 | $228,000 | $464,000 | $115,000 | $199,000 |
| American Indian or Alaskan Native | 3 | $741,000 | $247,000 | $312,000 | $102,000 | $124,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $158,000 | $158,000 | $158,000 | $157,000 | $157,000 |
| Black or African American | 1 | $50,000 | $50,000 | $50,000 | $105,000 | $105,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 434 | $101,123,000 | $233,000 | $3,400,000 | $109,000 | $669,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 323 | $75,919,000 | $235,000 | $3,400,000 | $113,000 | $669,000 |
| Application Withdrawn By Applicant | 87 | $20,194,000 | $232,000 | $576,000 | $99,000 | $357,000 |
| Application Denied By Financial Institution | 20 | $4,415,000 | $220,000 | $600,000 | $78,000 | $187,000 |
| Application Approved But Not Accepted | 4 | $595,000 | $148,000 | $297,000 | $123,000 | $301,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 9 | $2,213,000 | $245,000 | $412,000 | $94,000 | $161,000 |
| Debt-To-Income Ratio | 9 | $2,046,000 | $227,000 | $600,000 | $70,000 | $187,000 |
| Employment History | 2 | $156,000 | $78,000 | $100,000 | $38,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Olympia Federal Savings & Loan's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Olympia Federal Savings & Loan's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Washington, download the full spreadsheet
with aggregated HMDA statistics today.
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